Best Home Loan Interest Rates
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Home Loan Interest Rates & Fees Across Banks and NBFCs - 2026
Updated on 3-7-2025 Written by Ramandeep Sadana, Credit Expert with over 10 years of experience
Find the best rates only with Ambak. Looking for the best home loan interest rates in 2025? Here’s a complete list of current home loan rates and processing fees offered by leading banks and housing finance companies in India. This table helps you easily compare loan offers across HDFC, SBI, ICICI, Axis Bank, LIC Housing Finance, and more. Whether you're a salaried or self-employed borrower, use this updated list to make an informed decision and find the most affordable home loan option for your needs.
| Lender | Min Rates (P.A.) | Max Rates (P.A.) | Processing Fee |
|---|---|---|---|
| Bank of Maharashtra | 7.1% onwards | 9.25% onwards | Special Offer: Zero Processing Fee |
| Central bank of India | 7.1% onwards | 8.7% onwards | Rs. 15,000 + GST |
| Union bank of India | 7.1% onwards | 10% onwards | Rs. 15,000 + GST |
| State Bank of India | 7.1% onwards | 9.5% onwards | Rs.10,000 + GST |
| Punjab National Bank | 7.2% onwards | 9.35% onwards | Rs. 10000 + GST |
| HDFC Bank | 7.2% onwards | 9.5% onwards | 0.25% of loan amt. + GST (incld. Login Fee) |
| ICICI Bank | 7.4% onwards | 9.5% onwards | 0.25% of loan amt. + GST |
| Bajaj Housing Finance | 7.25% onwards | 9.5% onwards | 0.3% of loan amount + GST |
| Bank of Baroda | 7.2% onwards | 9.5% onwards | No Processing Fee |
| Axis Bank | 7.5% onwards | 9% onwards | 0.25% + GST (incld. Login Fee) |
| UCO Bank | 7.15% onwards | 9.25% onwards | Rs. 15,000 + GST |
| Federal Bank | 7.35% onwards | 9.5% onwards | Rs. 15,000 + GST |
| IDBI Bank | 7.35% onwards | 10.05% onwards | Rs. 15,000 + GST |
| L&T Housing Finance | 7.8% onwards | 9.5% onwards | 10,000+GST (incld. login fee) |
| IDFC First Bank | 7.8% onwards | 9% onwards | Below Rs.1 Cr: 1%; Rs.1-3 Cr: 0.75%; Rs.3-5 Cr: 0.65%; Rs.5Cr Above: 0.5% of loan amt + GST |
| Kotak Bank | 7.7% onwards | 9.7% onwards | <50 lakhs: 5000+GST & >50 lakhs: 10000+GST |
| Induslnd Bank | 8.6% onwards | 10.55% onwards | Rs. 15,000 + GST |
| ICICI HFC | 7.85% onwards | 16% onwards | - |
| PNB Housing Finance | 8.1% onwards | 10.65% onwards | Special Offer: Zero Processing Fee |
| IIFL | 8.6% onwards | 12% onwards | 1.5% - 4% + GST |
| Easy Home Finance | 10.5% onwards | 15% onwards | Rs.10,000 + GST |
| Hero Housing Finance | 9.5% onwards | 18% onwards | Rs. 15,000 + GST |
| AU Small Finance Bank | 10% onwards | 13% onwards | Rs. 15,000 + GST |
| Bandhan bank | 8.4% onwards | 13% onwards | Rs. 15,000 + GST |
| Piramal Finance | 9.99% onwards | 11.75% onwards | Rs. 15,000 + GST |
| GIC Housing Finance | 8.25% onwards | 12% onwards | Rs. 15,000 + GST |
| Aadhar Housing Finance | 11.75% onwards | 17% onwards | Rs. 15,000 + GST |
| Jio Finance | 8.2% onwards | 9% onwards | - |
| Ujjivan Small Finance Bank | 8.75% onwards | 18% onwards | Rs. 15,000 + GST |
| Godrej Housing Finance | 7.75% onwards | 11% onwards | 10,000 + GST (incld. Login Fee) |
| Samman Capital | 8.75% onwards | 12% onwards | - |
| DMI Housing Finance | 13.99% onwards | 15% onwards | Rs. 15,000 + GST |
| Aditya Birla Housing Finance | 7.95% onwards | 11% onwards | Processing Fee: 0.5% of loan amt + GST (incld. Login Fee) |
| Aavas Financiers | 10.5% onwards | 14% onwards | Rs. 15,000 + GST |
| Shubham Housing Finance | 11.75% onwards | 18% onwards | Rs. 15,000 + GST |
| Cholamandalam Finance | 9.5% onwards | 10.5% onwards | Rs. 15,000 + GST |
| Fedbank Financial Services | 7.6% onwards | 11% onwards | Rs. 15,000 + GST |
| Shivalik small finance bank | 9% onwards | 12% onwards | Rs. 15,000 + GST |
| Protium Finance | 8.75% onwards | 11% onwards | Rs. 15,000 + GST |
| Poonawala Fincorp | 9% onwards | 11% onwards | Rs. 15,000 + GST |
| Vastu Finance | 9% onwards | 16% onwards | 1% + GST |
| Truhome Finance | 9.5% onwards | 13% onwards | 1% + GST |
| India Shelter Finance | 10.5% onwards | 12% onwards | Rs. 15,000 + GST |
| Motilal Oswal Home Finance | 11.75% onwards | 15.75% onwards | Rs. 15,000 + GST |
| Vridhi Home Finance | 12% onwards | 14% onwards | Rs. 15,000 + GST |
| Capri Global HFC | 12.5% onwards | 15% onwards | Rs. 15,000 + GST |
| Bank of India | 7.1% onwards | 9.25% onwards | Rs. 15,000 + GST |
| indian bank | 7.15% onwards | 9.65% onwards | Rs. 15,000 + GST |
| Canara Bank | 7.15% onwards | 9.25% onwards | Rs. 15,000 + GST |
| YES Bank | 9% onwards | 10% onwards | Rs. 15,000 + GST |
| indian overseas bank | 7.35% onwards | 10% onwards | Rs. 15,000 + GST |
| South Indian Bank | 7.2% onwards | 10.6% onwards | Rs. 15,000 + GST |
| Punjab & Sind Bank | 7.55% onwards | 10% onwards | Rs. 15,000 + GST |
| RBL Bank | 9% onwards | 12% onwards | Rs. 15,000 + GST |
| Karnataka Bank | 7.3% onwards | 10.9% onwards | Rs. 15,000 + GST |
| City Union Bank | 7.45% onwards | 9% onwards | Rs. 15,000 + GST |
| Saraswat Co-operative Bank | 7.35% onwards | 10% onwards | Rs. 15,000 + GST |
| Jammu & Kashmir Bank | 7.35% onwards | 9.85% onwards | Rs. 15,000 + GST |
| Equitas Small Finance Bank | 10.49% onwards | 15% onwards | Rs. 15,000 + GST |
| Karur Vysya Bank | 8.5% onwards | 10% onwards | Rs. 15,000 + GST |
| Deutsche Bank | 8.75% onwards | 11% onwards | Rs. 15,000 + GST |
| DCB Bank | 10.5% onwards | 14.5% onwards | Rs. 15,000 + GST |
| Suryoday Small Finance Bank | 10% onwards | 13% onwards | Rs. 15,000 + GST |
| Kerala Gramin Bank | 7.99% onwards | 10.75% onwards | Rs. 15,000 + GST |
| Dhanlaxmi Bank | 7.9% onwards | 13.2% onwards | Rs. 15,000 + GST |
| Tamilnad Mercantile Bank | 8.15% onwards | 9.5% onwards | Rs. 15,000 + GST |
| Csb Bank | 9.1% onwards | 11% onwards | Rs. 15,000 + GST |
| SMFG India Credit | 9.5% onwards | 11% onwards | Rs. 15,000 + GST |
| Abhyudaya Co-operative Bank | 8.1% onwards | 10% onwards | Rs. 15,000 + GST |
| Nainital Bank | 7.15% onwards | 11% onwards | Rs. 15,000 + GST |
| Bharat Bank | 8.75% onwards | 9.9% onwards | Rs. 15,000 + GST |
| Mahindra Home Finance | 8.35% onwards | 9.75% onwards | Rs. 15,000 + GST |
| Madhya Pradesh Gramin Bank | 8.5% onwards | 12% onwards | Rs. 15,000 + GST |
| Apna Sahakari Bank | 8.75% onwards | 9.9% onwards | Rs. 15,000 + GST |
| Navi Finserv | 8.45% onwards | 13% onwards | Rs. 15,000 + GST |
| Rajkot Nagarik Sahakari Bank | 8.5% onwards | 11% onwards | Rs. 15,000 + GST |
| Sundaram Home Finance | 10% onwards | 12% onwards | Rs. 15,000 + GST |
| NKGSB Co-operative Bank | 9.5% onwards | 11% onwards | Rs. 15,000 + GST |
Types of Home Loans
The key to your dream home awaits!.
Home Construction Loan
Specifically designed for building a new house. Loan disbursements are made in phases, matching the progress of the construction.
Home Renovation/Improvement Loan
This loan covers the costs associated with renovating or improving an existing home. Interest rates are generally the same as those for a standard home loan.
Home Extension Loan
Ideal for homeowners looking to extend or add more space to their current home. Lenders usually finance 75% to 90% of the construction costs, depending on the loan amount and LTV ratio.
Bridge Loan
A short-term loan designed for individuals planning to purchase a new home with the proceeds from selling their current property.
